Before anything moves forward, we’ll sit down and talk through your situation — what happened, what the insurance company paid, and what problems you’re facing. I want you to feel comfortable, confident, and fully informed. This conversation helps us both decide whether working together makes sense and whether I can genuinely add value to your claim.No pressure. No obligation. Just clarity.

How do I know if my insurance company paid me enough?

Most homeowners don’t. Claims are often rushed, undervalued, or missing key items. Alfred Smith Claims Services reviews the entire file and identifies underpayments, missed damage, and overlooked coverage.

What if my claim was closed — can it still be reopened?

Yes. Many claims can be supplemented or reopened months or even years later if they were underpaid or improperly handled. Please note I only get paid on the money I recover for you. So me looking at your claim to see if there was any gaps is only a benefit to you.

Why does my contractor say the insurance estimate is too low?

Because it usually is. Contractors see the real cost of repairs. A public adjuster bridges the gap between contractor pricing and insurance pricing to recover the difference. I will work with your contractor of choice, and if you need one, I have many I have developed a relationship over the years with. I will work with both the insurance carrier and the contractor to be sure you are cared for.

What if the insurance company denied part of my claim?

Denials can often be challenged. A public adjuster can review the denial, identify errors, and negotiate for coverage the insurer overlooked. While I am not an attorney, I work with many to be sure your rights under your policy are secured.

Why is my depreciation being held back?

Recoverable depreciation is often delayed or missed entirely. A public adjuster ensures you receive the full replacement cost you’re entitled to. There is a process and this will be discussed at our meeting once we are working together as a team.

What if my Additional Living Expenses (ALE) ran out but I’m still displaced?

ALE is frequently underpaid or cut off too early. I can request extensions and recover additional funds. You paid for this coverage, and this should be extended to you as an agreement not a favor. Contact me to discuss.

Why is my contents list so undervalued?

Insurance companies often pay pennies on the dollar for personal property. A public adjuster prepares a proper inventory and fights for accurate replacement values. Many times people will dispose of items without making a claim in a total loss fire. Do not make this mistake!! Contact me today to discuss.

What if the insurance company’s adjuster missed damage?

It happens constantly. A public adjuster performs a detailed inspection and documents everything the insurer overlooked.

Can I get more money even if I already received a settlement?

Yes — if the claim was underpaid, improperly scoped, or missing items. A public adjuster can recover additional funds on supplements or reopened claims.

top of page

Expert Public Adjusting, and claims consultation backed by the CPCU Credential. The CPCU designation (Chartered Property Casualty Underwriter) is the highest and most respected credential in the property insurance industry. It represents advanced, graduate‑level mastery of insurance coverage, claims handling, risk analysis, and ethics. Very few adjusters earn it — and even fewer Public Adjusters hold the credential.

As a CPCU‑certified Public Adjuster, I bring expert‑level understanding of how insurance companies evaluate claims, interpret policy language, and calculate settlements. This means your claim is prepared, documented, and presented with the same precision carriers use internally.

I don’t rely on guesswork or generic templates. I apply proven, industry‑standard methods to ensure every detail of your loss is captured and supported. My CPCU training reinforces a strict ethical code focused on protecting policyholders and advocating for fair, accurate settlements.

When you work with me, you’re working with the CPCU standard — the highest level of knowledge, ethics, and professionalism in the claims industry.

ai-generated-waterfront-homes-in-a-row-on-the-water-with-reflection-of-sky-3d-rendering-of

When you suffer property damage in Maine., you deserve someone who works for you—not the insurance company. As a CPCU‑certified Maine Adjuster, I help homeowners and businesses turn complex losses into clear, fair outcomes. I document every detail, interpret your policy, negotiate on your behalf, and make sure your settlement reflects the true scope of your damage. My mission is simple: protect policyholders, eliminate confusion, and bring integrity, strategy, and clarity to every claim. After years of paying premiums, you deserve a professional who ensures your insurance finally works the way it should.

Alfred Smith CPCU Claims Services LLC

Helping families and businesses recover after loss — a regional adjuster bringing strategic claims leadership and CPCU-certified advocacy to every case.

Our Services

01

Residential Claims

We provide expert advocacy for residential property claims, ensuring your home is valued accurately and your insurance settlement reflects the full extent of your loss. Your home, your belongings, and your additional living expenses are all essential parts of your claim, and we make sure nothing is overlooked or

underpaid.

02

Commercial Claims

We provide specialized support for commercial and industrial property claims, ensuring your building, business personal property, and loss of business income are fully recognized and accurately valued. Commercial losses affect more than the structure — they impact operations, inventory, equipment, and your ability to generate revenue.

Our assessments focus on the complete scope of your commercial loss so your insurance recovery reflects the true financial impact on your business. After years of paying premiums, it’s time for your insurance to pay what your policy promises.

03

Settlement Advocacy

If you’ve been underpaid or your claim wasn’t handled properly, you deserve a second look. We represent your interests throughout the entire claims process, ensuring every detail is documented, supported, and included in your pursuit of a fair and just settlement. Your policy has protections, your loss has value, and your claim deserves to be paid accurately.

Let me work for you — and make sure your settlement reflects the full extent of your damage.

Click here to call- 617 697 2646

Click here to email. Alfredsmithcpcu@gmail.com

Frequently asked questions

General

Setting up FAQs

When you file a property insurance claim, the insurance company sends their adjuster — someone trained to protect their financial interests. A public adjuster is the professional who protects yours. I work exclusively for you, not the insurance company, to make sure your damage is fully documented, your policy is interpreted correctly, and your settlement reflects the true cost of repairs, contents, and living expenses.Most homeowners don’t realize how much money gets left on the table. Missing items, undervalued repairs, denied supplements, and rushed inspections can cost you thousands. My job is to prevent that from happening and fight for the full amount you’re entitled to

You’re not just hiring a public adjuster — you’re hiring a licensed professional who brings expertise, accuracy, and advocacy to your claim. I specialize in uncovering underpayments, reopening old claims, and negotiating fair settlements for homeowners across Massachusetts and Rhode Island.What sets me apart:Licensed Public Adjuster with CPCU‑level claims expertiseLocal — serving Taunton, Fall River, New Bedford, Providence, SmithfieldHands‑on inspections and detailed documentationClear communication every step of the wayContingency‑based — you pay nothing unless I recover more money for youExperience with new, underpaid, and years‑old claimsMy goal is simple: protect you, maximize your settlement, and make the claims process less stressful.

Because you’re dealing with a billion‑dollar company trained to minimize payouts. A public adjuster handles the entire process so you don’t have to.When you hire me, you’re not just getting a public adjuster — you’re getting a licensed professional who represents your interests, not the insurance company’s. I bring expertise, accuracy, and advocacy to every claim, whether it’s brand new, underpaid, or years old.I’ll sit down with you, review your situation, answer every question, and make sure you feel comfortable. We’ll decide together whether we’re the right fit — no pressure, no obligation, just clarity.My goal is simple: Protect you. Maximize your settlement. Make the process easier.

A: In a disputed property claim, appraisal and litigation are two distinct methods to resolve disagreements over the insurance payout. Appraisal is a faster, less formal process where both the policyholder and the insurer each select an independent appraiser, who then work together—or with an umpire if necessary—to agree on the value of the damage. Litigation, on the other hand, involves taking the dispute to court, which can be time-consuming, costly, and often more stressful. At Alfred Smith CPCU Claims Services LLC, we specialize in guiding you through these options, ensuring you understand the pros and cons of each. We focus on helping you document your claim thoroughly and negotiate effectively to reach a fair settlement, potentially avoiding the need for prolonged litigation. Our enthusiastic approach is dedicated to empowering you with the knowledge and support needed to resolve your property damage claim smoothly and confidently.

A: In the world of property damage insurance claims, understanding whether the umpire’s decision is binding can save you a lot of hassle—think of it like a baseball game. During an appraisal, the umpire acts like the final judge who steps in when the two sides (you and the insurance company) can’t agree on the damage value. Just as a baseball umpire’s call on a close play is final on the field, the umpire’s decision in an appraisal is typically binding, meaning both parties must accept it as the resolution. However, unlike an informal baseball dispute where you might argue the call after the game, in arbitration or reference, the binding nature depends on your specific agreement. Arbitration is like a playoff game with an official umpire whose call is final and legally enforceable—no arguments afterward. At Alfred Smith CPCU Claims Services LLC , we guide you through these processes step-by-step, ensuring you understand when the umpire’s call can settle your claim once and for all, helping you negotiate effectively and avoid costly delays.

A: Yes, you can hire Alfred Smith CPCU Claims Services as your personal appraiser to represent your interests during a property damage insurance claim. Unlike an umpire, who acts as a neutral third party to resolve disputes between two appraisers, a personal appraiser advocates specifically on your behalf, helping you accurately assess and document the extent of your property damage. Alfred Smith CPCU brings expert consulting to guide you through every step of the claims process—from detailed damage evaluation to negotiating with insurers—ensuring you receive a fair settlement. By choosing Alfred as your personal appraiser, you gain a dedicated professional committed to maximizing your claim’s value with enthusiasm and expertise.

CPCU, AIC, AIM, ARM, Haag Certified Inspector

Licensed Public Adjuster in Massachusetts, Rhode Island and Connecticut · Licensed Adjuster in Maine

Insurance Claim Denied or Underpaid? We Fight for You

Your Insurance Advocate for Large and Complex Losses

Catastrophic Loss? Get a Professional on Your Side from Day One

Maine claims we handle

Snow load and roof collapse. Heavy, wet snow and layered ice can overload older roofs, barns, garages and low-slope additions. Whether it counts as a covered collapse often comes down to documentation and policy wording.
Ice dams. Water backing up under shingles and into ceilings and walls, a common winter loss across Maine.
Frozen and burst pipes. Especially at seasonal homes and camps, where vacancy and heat-maintained conditions in the policy can limit coverage.
Wind, nor'easters and coastal storms. Roof, siding and tree damage, and the wind-versus-flood disputes that follow coastal storms.
Fire and smoke. Structure, contents and additional living expense while you're out of your home.
Commercial property. Building damage, business personal property, and extra expense after a loss.

What we do on your claim

Review your policy and explain what it covers
Inspect and document all of the damage, including what's hidden
Prepare a complete, independent estimate of the loss
Present the claim to your insurer and negotiate the settlement
Handle the supplements, reinspections and paperwork so you don't have to

Your rights under Maine law

An adjuster must wait at least 36 hours after a loss before offering you a contract for services.
You can cancel a public adjusting contract within 2 business days after signing it. That notice must be printed prominently on the first page of the contract.
Fees must be reasonable for the services provided.